6.2 6.6

10.6 7.2 6.5

0

5

10

15

2008 2009 2010 2011 2012

INDIA'S GDP

GROWTH

PERCENTAGE

52.7

53.9 54.7

55.1

56.3

50

51

52

53

54

55

56

57

2008 2009 2010 2011 2012

SERVICE INDUSTRY

CONTRIBUTION

5.5 5.6

5.4

5.8

6.2

5

5.5

6

6.5

2008 2009 2010 2011 2012

BANKING INDUSTRY

SHARE

INDUSIND BANK :AN INTRODUCTION

Formally inaugurated in April 1994

IndusInd Bank derives its name and inspiration from the Indus

Valley civilization

Started with a capital base of Rs.1,000 million

Rs.600 million was raised through private placement from

Indian Residents while the balance Rs.400 million was

contributed by Non-Resident Indians.

The bank recently came up with the “आपने चाहा हमने किया”

punchline

Currently has an impressive CASA share of 28% and ranks 5th

among the private sector banks.

PRODUCTS

PRICE

Open and account at just Rs 1 and get an ATM card at Rs

25 only in Indus Small Account

Open the account with a minimum deposit of Rs.11/-

only in Indus Young Saver Account.

In Indus Exclusive for Individuals

Air accident insurance - Rs. 30,00,000/-

Lost Card Liability in case of misuse - Rs. 3,00,000/-

Purchases made using the card are protected against fire

and theft - Rs. 50,000/-

In Senior Citizen Scheme 0.50% more interest rate is

given.

PLACE

Branch Network increased to 400 in Fy12

692 ATMs spread across 270 geographic locations of the

country

PROMOTION

Advertising: television,

movies, in theaters

Brand Promotion:

By Jimmy Shergil

Publicity:

Road show

Sales Promotion:

Gifts, discount , choice money

Personal selling:

Cross-sale (selling at competitors place)

PROCESS

Quick & Easy processing: Very simple & Hassle-free

documentation.

For example customer arrives for a car loan

The Executive of the bank asks for all the details about income

slips, car details etc.

The bank Executive explains all the details about interest rate,

pay back period.

The Fast track loan process starts in 48 hours.

After giving the loan amount an agent is assigned to the

customer which stays in touch with the customer during

repayment period.

PHYSICAL EVIDENCE Physical evidence is the material part of a service. Strictly speaking there

are no physical attributes to a service, so a consumer tends to rely on

material cues.

Internet/web pages

Paperwork

Brochures

Business cards

The physical evidences also include signage, reports, punch lines, other

tangibles, employee’s dress code etc.

Signage: each and every bank has its logo by which a person can identify

the company. Thus such signage's are significant for creating visualization

and corporate identity.

Tangibles: bank gives pens, writing pads to the internal customers. Even the

passbooks, cheque books, etc reduce the inherent intangibility of services.

Punch lines: punch lines or the corporate statement depict the philosophy

and attitude of the bank. Banks have influential punch lines to attract the

customers.

PEOPLE

An employee plays an important role in the marketing

operations of a service organisation.

IndusInd become conscious in its potential in internal

marketing - the attraction, development, motivation and

retention of qualified

Year Total

Busines

s

(In Cr.)

Net

worth

(in Cr.)

N.P.(in

cr.)

No. of

ATMs

No. of

Branches

Dividend/

Share

2008-09 37800 1429 148.34 184 180 1.2

2009-10 47000 2166 350.31 497 210 1.8

2010-11 60531 3825 577.32 594 300 2.0

2011-12 77425 4522.37 802.61 692 400 2.2

Bank Financials and Statistics

NEW PRODUCT DEVELOPMENT

In 2007, the bank launched Transaction Banking Segment which comprises of Trade & Cash Management

Products and Electronic services.

In 2008, the bank launched two different channels

“Wealth Relationship Managers” & “Central Acquisition Team”.

Various new products launched during 2009 were “Indus Edge”, “Indus Prestige”, Indus Escrow” and “ Indus Collect”.

In 2011, Bank launched three new services “Cash on Mobile”, “Direct Project”, “Quick Redeem”.

CUSTOMER RELATIONSHIP MGMT.

To manage different transactions with customers, Bank

has offered huge number of services & to make it more

convenient and accessible, bank has launched “Cash on

Mobile”, “ Direct Connect”, “Quick Redeem”

services.

Bank has constituted a branch level “Customer Service

Committee”. CSC helps to examine complaints,

suggestions, cases of delays and difficulties faced by

customers.

CONTINUED..

In May 2009, Bank implemented “Talisma”, the

Complaints & Requests Management” system. This

system helps to track requests, complaints and queries

at customer level.

DISTRIBUTION CHANNELS

IndusNet – Internet Banking

service from IndusInd Bank

offers you a wide range of

services – A service which is

convenient to use and puts you

in control of your finances

anytime, anywhere.

INTERNET BANKING SOFTWARE

INDUSMOBILE ALLOWS YOU

TO BANK ANYTIME ANYWHERE

THROUGH YOUR MOBILE PHONE.

GET ACCESS TO YOUR BANKING

INFORMATION AND TRANSACT

ON YOUR SAVINGS ACCOUNT AT

ABSOLUTELY NO COST. YOU

WILL ALSO BE ABLE TO

RECHARGE YOUR MOBILE

PHONE, BOOK MOVIE TICKETS

AND PAY YOUR BILLS THROUGH

YOUR PHONE.

STP

Segment

People who are wish to put their money

in the banking sector

Target Group

Earning individuals, Corporates, HNIs

Positioning

Delivering what the customer needs

MIS USED BY INDUSIND BANK

Strength 1. Backing of the Hinduja group

2.Gives importance to customer

experience

3. Offers a large variety of products and

service pan India

Weakness 1. Lags behind many banks in capital

structure

2.Few no. of branches across the

country in comparison with leading banks

Opportunity 1.Mobile Banking, Internet banking

2.Expansion into rural areas to bank the

unbanked and under banked

3.Doing aggressive marketing in order to

improve brand value

Threats 1.New bank licenses to be issued by RBI

2.Competitors

3.Foriegn banks that mainly cater to their

target group.

R&D INITIATIVES : GREEN BANKING

Green Banking project under the ‘हम और हररयाली ’ campaign

ATMs with Solar Panels: Installation of solar panels on 50 ATMs resulted in generation of energy equaling 34665 kWh with a saving of 2 lakh in commercial electricity

Data Centre: By making use of energy efficient data centre with APC Cooling and UPS

Server Virtualization

Thin Computing

LCD/LED Monitors

Power Saving Devices